PINC vs SCHD
PGIM Securitized Income ETF vs Schwab US Dividend Equity ETF
Which is better, PINC or SCHD?
Each has led over a different period.
SCHD has a lower expense ratio. PINC led over 1Y and 3Y, SCHD over 5Y and the full window.
MarketXLS is not an investment adviser. This comparison is generated automatically from market data and is for information only. A Best mark means the better reading on that one measure, not a recommendation to buy.
Side-by-Side Comparison
| Metric | PINC | SCHD |
|---|---|---|
| Expense Ratio | 0.39% | 0.06%Best |
| AUM | $25M | $112.2B |
| Dividend Yield | 0.77% | 3.13% |
| Holdings | 106 | 103 |
| YTD Return | -0.78% | +28.59%Best |
| 1Y Return | +94.59%Best | +31.77% |
| 3Y Return (annualized) | +33.00%Best | +16.70% |
| 5Y Return (annualized) | +9.01% | +10.09%Best |
| Volatility (annualized) | 32.8% | 14.3%Best |
| Max Drawdown | -56.7% | -33.4%Best |
| $10,000 over 5 years | $15,393 | $16,171Best |
| Fund Family | PGIM Investments | Charles Schwab Asset Management |
| Category | Fixed Income | Equity |
| Style | - | Large Cap Value |
| Inception | Jun 1, 2026 | Oct 20, 2011 |
Not shown on this pair: Top 10 Weight.
Volatility and max drawdown are measured over the window both funds cover: Sep 26, 2013 to Sep 3, 2026 (12.9 years).
PINC vs SCHD growth
Month-end closes. Both lines start at 0% in the first month shown, so the gap between them is the difference in growth across that window. The full view covers the 12.9 years both funds cover.
PINC vs SCHD Performance
PGIM Securitized Income ETF (PINC) is an ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is an ETF from Charles Schwab Asset Management. Over the past year PINC returned +94.59% while SCHD returned +31.77%. Year to date, PINC is down 0.78% versus a gain of 28.59% for SCHD.
Over three years, PINC compounded at +33.00% per year against +16.70% for SCHD; over five years the annualized figures are +9.01% and +10.09% respectively. Across the full 13-year window we track, SCHD has the edge at +10.75% annualized vs +5.12%.
Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.8% compared with 14.3% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -56.7% for PINC and -33.4% for SCHD. Drawdown depth is what each fund did in the worst stretch of the window measured above.
The two funds' monthly returns correlate at 0.15. They move largely independently of each other.
Fees and Cost Over Time
PINC charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, PINC currently yields 0.77% against 3.13% for SCHD.
Holdings Overlap
We hold position weights for 7 holdings in PINC and 100 in SCHD, totalling 7.0% and 100.0% of the two funds. The two books name no position in common, so there is no overlap percentage to show.
0 positions in common, counted across the 7 positions we hold weights for in PINC and 100 in SCHD, against full books of 106 and 103.
You are not choosing between two funds in isolation.
Whichever of PINC and SCHD you pick has to sit alongside everything else you own. Add the rest and see what the combination actually holds.
Free for up to 10 holdings. No account needed.
Frequently Asked Questions
Which is cheaper, PINC or SCHD?
PINC has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option, by $33 a year on a $10,000 investment.
Which performed better, PINC or SCHD?
Over the past year PINC returned +94.59% vs +31.77% for SCHD, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.12% vs +10.75% for SCHD. Past performance does not guarantee future results. This is information, not a recommendation.
Which is riskier, PINC or SCHD?
PINC has been the more volatile fund at 32.8% annualized versus 14.3% for SCHD. Worst drawdown: PINC -56.7% vs SCHD -33.4%.
Should I hold both PINC and SCHD?
PINC and SCHD have a monthly-return correlation of 0.15, so their returns are far enough apart for the mix to behave differently from either one alone. This is information, not a recommendation.
Which pays a higher dividend, PINC or SCHD?
PINC yields 0.77% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
Is SCHD better than PINC?
SCHD has a lower expense ratio. PINC led over 1Y and 3Y, SCHD over 5Y and the full window. Which one suits a particular account depends on what it is for. This is information, not a recommendation.